Can the guarantor call the police?

Yes, according to the Measures for the Supervision and Administration of Credit Cards of Commercial Banks, the collection can only be directed at the debtor himself and his guarantor. When other family members or friends are harassed, they can choose to call the police.

In other words, if your family is harassed by a bank or a third-party collection company outsourced by a bank, and the collection party threatens, intimidates or insults your family on the phone, then you can choose to call the police and protect your rights and interests through law. Of course, you must provide evidence of the other party's violent collection before you can call the police.

Credit card overdue collection is generally divided into two forms, one is the internal collection of the credit card collection department of the bank, and the other is the collection entrusted by the bank to a third-party company. However, no matter which way is adopted, legal collection means must be adopted, and legal collection means do not include improper collection behaviors such as violence, coercion, intimidation or abuse.

Although it is legal for banks to recover debts from cardholders or entrust third-party institutions, it is illegal to harass cardholders by telephone. Because according to the Measures for the Supervision and Administration of Credit Cards of Commercial Banks, only debtors and their guarantors can be collected, and no third party unrelated to debts can be collected.